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Dhanlaxmi Bank Home Loan

Dhanlaxmi Bank offers home loan with various features and benefits like low interest rate, balance transfers facility, Step up – Step down EMI options, doorstep facility and Nill foreclosure charges, and much more to make you feel happy. Dhanlaxmi home loan is skillfully designed to provide home loan to Resident Indians and Non-Resident Indians (NRIs) for ready properties, for purchasing a plot of land, self-construction and home improvement, etc. Check your home loan eligibility with Dhanlaxmi home loan eligibility calculator and get your home loan approved within a few days.

Dhanlaxmi Bank Home Loan Interest Rate

Interest Rate

10.35% to 10.60%

Processing fee range

1% of the loan amount + Service tax, subject to a minimum of Rs. 10,000

Loan amount eligible is 85% of cost of construction/value of house/flat for new dwelling units, 70% of purchase cost in the case of purchase of residential plots and 75% of cost for existing dwelling units/repairs.

In case of employed persons, the maximum loan amount can be up to 60 times of the net monthly take home salary including that of spouse.

For all other borrowers, the maximum loan amount can be 5 times the net annual income as per IT Return.

Special surrogate income program for self employed.

One time processing fee, No hidden charges and No Post loan hassles.

Attractive rates on Balance Transfer of your existing loan.

Additional Top up loans along with Balance Transfer for your personal or business use.

Home extension loan helps you to extend or add space to your home as per your requirement.

Dhanlaxmi Bank’s home extension loan Can be availed within few hours once you have all necessary regulatory approvals in place.

2) Dhanlaxmi Bank Home Improvement Loan

Home Improvement Loan is designed to carry out internal and external repairs and other structural improvements such as tiling and flooring, internal and external painting, plumbing, electrical work, waterproofing and roofing, construction of underground/overhead water tank, etc.

Once you have an estimate from civil works agency of your choice, you can avail this loan.

3) Dhanlaxmi Bank Plot & Construction Loans

Loan to help you get a plot loan and a construction loan

You can avail this loan to acquire a plot and to construct a home thereon.

4) Dhanlaxmi Bank Construction Loan

Special loan to build your home on an existing plot as per your design and requirement.

Loan at affordable home loan rates and at lower EMI.

Dhanlaxmi Bank Home Loan Eligibility

Loan for employees, Professionals, Businessmen, Agriculturists/NRIs with an annual income of over Rs. 1.2 lakh.

Salaried employees with a net monthly income of at least Rs. 6,000 including that of spouse, with a minimum 1 year of leftover service after completion of the eligible loan period.

NRIs (Non-Resident Indians) and PIOs (Persons of Indian Origin) below 55 years of age and employed overseas for at least 24 months with assured recurring earnings*.

For NRIs / PIOs (Persons of Indian Origin)

The maximum loan amount permissible is 60 times of take home pay.

Only applications for loans over Rs. 2 lakhs will be considered.

Dhanlaxmi Bank Home Loan Documents Required

Salary certificate or salary recovery undertaking letter from the employer for salaried persons